Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$510,138Cash toward the purchase price.
Closing costs + prepaids$18,810Not just lender fees.
Before credits & paid funds$528,948The complete starting cash picture.
Estimated remaining funds due at closing
$528,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$510,137.96
Your down payment$510,137.96
Closing costs + prepaids$18,809.88
Total buyer cash needed$528,947.84
Remaining funds due$528,947.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,199.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$850.75
Prepaid interest, first (1 days)$41.82
Fees + prepaids$18,809.88
Your down payment is the seller’s equity. You take over the $439,862 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $528,947.84 is due at closing. Uses and sources reconcile at $968,809.88 each. Not a Closing Disclosure.